Small businesses

Limit dips in productivity with affordable health insurance for businesses with fewer than 15 employees.

StaffCare

StaffCare for small businesses is for companies of between 5-14 staff who want quality comprehensive cover, value for money and ease of administration. Participants of this plan are underwritten for three years. Safeguard the health of your workforce and their families by including their spouse/partner, dependants/whāngai or parents.

Customisable cover

Choose a health insurance plan that suits your business and your staff. Start with our Hospital and Surgical base plans then build a more holistic solution by adding one or more of our Additional plans.

Included in base plan

Hospital and Surgical base plan

Covers the costs associated with surgical treatment, including private hospital costs, surgeons’ and anaesthetists' fees, and specialist consultations and tests that occur in the year before and after the surgery.

$200,000 per policy year

Oral surgery

Covers the cost of oral surgeries, such as the removal of impacted or unerupted teeth, abscesses, cysts, soft tissue swellings and other medical (not dental) conditions of the mouth.

$100,000 per policy year

Private hospital medical admission

Covers the costs associated with admission to a private hospital for reasons other than surgery.

$65,000 per policy year

Non-surgical cancer treatment

Covers non-surgical cancer treatment including diagnostics, consultation or tests provided they relate to the condition treated in a private hospital.

$60,000 per policy year

Major diagnostic procedures

Covers the costs for diagnostic procedures.

Benefit limits apply per procedure

Angiogram – up to $3,500; MRI scan – up to $3,000; CAT or CT scan – up to $2,500; MP scan – up to $2,000

Treatment outside of New Zealand

Reimburses medically necessary surgical procedure(s) at an overseas hospital, when it is not available in New Zealand.

$10,000 per policy year

Best Doctors

Provides access to the Best Doctors programme

Yes

Bowel screening Active loyalty benefit

After three continuous years it covers a bowel screening kit, every three policy years.

Yes

Health check Active loyalty benefit

After three continuous years it covers the costs for a health check performed by a GP, every three policy years.

Yes

Optional plans

Specialist plan

Our most popular additional plan that speeds up the time to diagnosis by providing access to private tests and specialist consultations.

Benefits

StaffCare

Benefits

StaffCare

Specialist consultations

Covers the costs for visits to specialists such as cardiologists, gynaecologists, orthopaedic surgeons and ear, nose and throat specialists.

$5,000 per policy year

Diagnostic tests

Covers the costs for tests and procedures such as x-rays, ultrasounds, ECGs, bone density scans, mammograms and allergy testing.

$5,000 per policy year

Diagnostic tests are included in the specialist consultation benefit. They are not a standalone benefit.

Mental health consultations

Covers the costs for consultations with a psychiatrist or psychologist.

$500 per policy year

Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit.

Melanoma loyalty benefit

After three continuous years it covers the costs for melanoma investigations, every three policy years.

No

Optional plans

GP plan

A good choice if you frequently make visits to your doctor, especially for prescriptions.

Benefits

StaffCare

Benefits

StaffCare

GP visits

Covers the costs of GP visits, including home and after-hours visits

$150 per policy year

$35 per visit

Registered nurse visits

Covers the costs of practice nurse visits.

$100 per policy year

$20 per visit

Prescription drugs

Covers the costs of prescription drugs.

$100 per policy year

$20 per item

Free-look period

When you join us you get a 14-day free-look period. If you change your mind during this period, and haven’t submitted a claim for anyone covered on the policy, we’ll refund any premiums you’ve paid.